My New employer offers after tax roth. That means I can fill...	Orchid up-to-no-good shrine	01/05/26
Yeah you can roll it over into a normal Roth IRA.	lascivious menage	01/05/26
So right now I can do about 30k/yr megaroth which basically ...	Orchid up-to-no-good shrine	01/05/26
MBR is an absolute no brainer. Literally zero reason not to ...	lascivious menage	01/05/26
Yeah but it's not any better than regular 401k. I.e. that pr...	Orchid up-to-no-good shrine	01/05/26
No tax at all versus taxes at ordinary income rate is obviou...	lascivious menage	01/05/26
How to grow after tax contributions cheaply?	Razzle-dazzle Dingle Berry Affirmative Action	01/05/26
What do you think of this. My new 401k plan allows schwab pc...	Orchid up-to-no-good shrine	01/05/26
Eh. The key is to buy early and not sell. That seems fine. I...	lascivious menage	01/05/26
Selling is not a taxable event in ira	Orchid up-to-no-good shrine	01/05/26

Date: January 5th, 2026 7:10 PM Author: Orchid up-to-no-good shrine My New employer offers after tax roth. That means I can fill up pretax401k+5% match. And 70k-(23k+17k) I can put in as after tax with immediate roth conversion. Does it mean I can covert that into regular roth without any additional tax after I leave my job? (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565167)

Date: January 5th, 2026 7:23 PM Author: lascivious menage Yeah you can roll it over into a normal Roth IRA. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565205)

Date: January 5th, 2026 7:35 PM Author: Orchid up-to-no-good shrine So right now I can do about 30k/yr megaroth which basically saves me 20% capital gains tax longterm compared to putting that money in regular brokerage (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565236)

Date: January 5th, 2026 7:39 PM Author: lascivious menage MBR is an absolute no brainer. Literally zero reason not to do it. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565242)

Date: January 5th, 2026 8:14 PM Author: Orchid up-to-no-good shrine Yeah but it's not any better than regular 401k. I.e. that pretax 40k also saves on capital gains plus will be tax at lower tax rate in the future. Roth only saves me on capital gains. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565324)

Date: January 5th, 2026 8:18 PM Author: lascivious menage No tax at all versus taxes at ordinary income rate is obviously way better. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565343)

Date: January 5th, 2026 9:16 PM Author: Razzle-dazzle Dingle Berry Affirmative Action How to grow after tax contributions cheaply? (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565520)

Date: January 5th, 2026 8:39 PM Author: Orchid up-to-no-good shrine What do you think of this. My new 401k plan allows schwab pcra accounts so I can basically do my own investments. I'll just do qqqi, spmo, and bitcoin(if it drops below 85k again) (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565398)

Date: January 5th, 2026 9:14 PM Author: lascivious menage Eh. The key is to buy early and not sell. That seems fine. I’m much heavier on international and think you’d be way under diversified and have a ton of overlap with those two funds but ultimately if you buy and never sell you’re fine. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565513)

Date: January 5th, 2026 10:10 PM Author: Orchid up-to-no-good shrine Selling is not a taxable event in ira (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565667)